Health Care

The Affordable Care Act (42 U.S.C. § 18116) prohibits discrimination on the basis of sex, sexual orientation, and gender identity. This means that you should be treated by your medical provider and insurance company with respect and fairness.

Some insurance companies include in their policies “trans exclusions” — they will deny coverage for procedures related to transition. Increasingly, these companies are being encouraged — either through legal action, legislation, or advocacy — to change these policies.

While the Maryland Insurance Agency does not specifically ban insurance companies from denying coverage for transition-related medical procedures, it does confirm that insurance companies should not deny trans* patients coverage for other medical procedures.

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Disclaimer

***The information on this site is not meant to constitute legal advice or serve as a substitute for speaking with an attorney. The information provided is general. Every person’s situation is unique, and some of the information we supply on this site may apply differently for you. We strongly encourage you to contact us or another attorney if you have questions. When changing your identity documents, you may also wish to contact the agencies listed to verify that the information posted on this website, as agencies may change their procedures.***